SERVICES FOR INDIVIDUALS

In order to build and preserve your personal wealth you need wisdom and guidance but most importantly you need advices that will truly address your real financial needs. At Factorial Financial we strive to provide you with great and personalized financial services helping you plan and manage your finance and family risk, improve performance, and ensure the growth and longevity of your wealth.

COMPREHENSIVE FINANCIAL PLANNING

Retirement Planning

We help you save enough in order to retire in dignity by identifying your retirement needs, analyzing your assets and sources of retirement income, reviewing estimated shortfalls, and identifying the best ways to save for retirement given your financial situation and risk tolerance.

Education Planning

Your child education is very important and we help make your child’s college payment process easy by helping you estimate the money needed and plan accordingly. We also help you develop the college saving that fit your financial situation and risk tolerance.

401k Planning

Giving the life expectancy is now on the rise due to the improvement of healthcare systems and also giving the increasing cost of living, the ability to retire in financial dignity is becoming a major concern for many. At Factorial Financial we help you obtain a clear vision about how you want your retirement to be. Then we help you assess the level of assets that would be needed to fund that vision. Finally help you take the necessary step to turn your dream into reality.

Legacy and Estate Planning

We help you devise a legacy plan to minimize potential estate tax and maximize the funds left to your family. We will save you tax dollars, professional fees, and court costs by minimizing the costs of probate, creditors, lawyers, and estate taxes, which can negatively impact the value of your estate. We also help you stay in control of your affairs by providing a road map for passing your estate on to your heirs.

Cash Flow and Deb Management

At Factorial Financial we understand that it is essential to be in control of your cash flow in order to be able to make any investment plan work. That’s why we help you evaluate how you spend your money each month and identify opportunities for improving your cash flow. This may include simple tax strategies and debt management solutions such as refinancing, debt consolidation, or changing tax withholdings.

Investment

We study your unique financial situation and we offer recommendation that will truly benefit you. We do this by taking into account your financial situation, your financial objectives, your tolerance for risk, and your investment experience. Based on your need, we help you invest in the following financial product:

Stock
Bond
Mutual Funds
Annuities
Asset Allocation

Insurance

Life is filled with a series of unexpected events. That’s why we make sure you protect your family in case of you become disabled by ensuring you have enough money in your emergency fund and that you have the proper insurance coverage for life, disability and health that will give you ample security. We can provide you with the following: